贴一个最近的refinance package, 顺带问个问题

DBS 2 year locking

Year 1 1.18% Fixed
Year 2 1.68% Fixed
Year 3 3-month SIBOR + 1.25%
Year 4 3-month SIBOR + 1.25%
Year 5 3-month SIBOR + 1.25%
Thereafter 3-month SIBOR + 1.25%

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DBS floating rate 2 yr locking

Year 1 3-month SIBOR + 0.70% = 1.137%
Year 2 3-month SIBOR + 0.80% = 1.237%
Year 3 3-month SIBOR + 0.90% = 1.337%
Year 4 3-month SIBOR + 1.25% = 1.687%
Year 5 3-month SIBOR + 1.25% = 1.687%
Thereafter 3-month SIBOR + 1.25% = 1.687%

[the current 3 months SIBOR and 12 months SIBOR is 0.437% and 0.758% respectively.]


请教一下房市的达人们，现在如果floating rate pegged to sibor, 风险大么？ 天天都在吵加息的话题，这个sibor rate会很快上升么？ 升幅会不会很夸张？